SMBs often wait 30–90 days to get paid, leaving billions locked in receivables. Traditional financing is slow, expensive, and full of friction.

Meanwhile, $130B+ in stablecoins sit idle onchain — earning no yield.

Orbbit bridges this gap.

SMBs upload unpaid invoices and receive up to 80% upfront, funded by investors in USDC. Each invoice is tokenized on Base for transparent funding, instant settlement, and automated repayment.

SMB App: https://sandbox.smb.orbbit.co

Investor App: https://sandbox.investor.orbbit.co

Smart Wallet Integration: Unified onboarding for non-crypto SMBs via Base Accounts and sponsored gas.

Invoice NFT Logic: Designed modular smart contracts for funding + repayment tracking.

Hybrid Architecture: Combined onchain settlement with offchain underwriting (KYB/KYC, Plaid, TransUnion).

https://github.com/orbbit-tech/smb-invoicefi

https://sandbox.investor.orbbit.co

Orbbit is building an invoice financing marketplace that connects SMBs in need of fast working capital with crypto investors seeking stable, real-world yield.

SMBs upload unpaid invoices and receive up to 80% of the value upfront, funded by investors using USDC. Each invoice is tokenized on Base, enabling transparent funding, instant settlement, and automatic distribution of principal + yield upon repayment.

For crypto-savvy SMBs, they can connect existing wallets directly for stablecoins payout. For traditional SMBs, we simplify onboarding by automatically creating a smart wallet, allowing them to move seamlessly between fiat and crypto — without ever dealing with the technical complexity.

For crypto investors, many of them are looking to diversify their portfolios. Orbbit enables investors to fund real-world-assets like invoice receivables, which are tied to actual business activities. These tokenized invoices can provide better yields than idle stablecoins and have much less volatility than traditional crypto.

By bridging real-world SMB cashflows with onchain capital markets, Orbbit enables instant settlement, auditability, and liquidity in the $5T+ global receivables market.

🏭 SMBs

• Target Industries: Long payment cycles and steady working capital needs
• Beachhead Market: CPG SMBs (Consumer Packaged Goods)
• Use Case: USDC for cross-border & off-ramp to fiat for domestic payments

Validation: We’ve spoken with multiple CPG founders facing delayed receivables and cash flow gaps. They’ve expressed strong interest in faster access to capital, especially when it doesn’t require a complex and long financing application or crypto knowledge.

💰 Investors

• Profile: Hold stablecoins, seeking predictable real-world yield
• Expected Return: 20~30% APR
• Use Case: Portfolio diversification with risk not correlated to crypto assets like Bitcoin

Validation: From interviews with early supporters and friends & family active in the crypto space, we confirmed strong demand for RWA-backed, short-duration yield products that offer predictable returns and tangible economic impact.